Search found 27061 matches

Search found 27061 matches Page 1 of 1805
by Foggy
Tue Oct 16, 2018 4:51 pm
Forum: Ask IVA Forum and Industry experts
Topic: Overtime being added to my net pay?
Replies: 3
Views: 66
Do not agree to this .... this will mean that your IVA payment will increase, even in the months that you don't earn any overtime !
by Foggy
Tue Oct 16, 2018 4:01 pm
Forum: bonus, overtime, pay rises and windfalls
Topic: If I clear my debt how will it affect my partners IVA
Replies: 1
Views: 62
As long as you are not with Payplan your income and changes in your expenditure will no longer be of any concern to your partner's IP. Most firms only use the solvent partner's I&E to calculate their fair share of expenses at the start. As regards the expenses you have omitted you will probably ...
by Foggy
Tue Oct 16, 2018 2:48 pm
Forum: Ask IVA Forum and Industry experts
Topic: Default notice received before IVA meeting of creditors
Replies: 5
Views: 136
Thanks I have emailed it over. They are actually my smallest debtor £700 and I made a min payment this month so I haven't yet missed a payment. I guess it's all part of the process I'm just super nervous about the whole think. Thanks for your help A default is lodged when the relationship between d...
by Foggy
Tue Oct 16, 2018 1:18 pm
Forum: Ask IVA Forum and Industry experts
Topic: Default notice received before IVA meeting of creditors
Replies: 5
Views: 136
Pass this to your IP who will deal with it for you.
by Foggy
Tue Oct 16, 2018 12:46 pm
Forum: Ask IVA Forum and Industry experts
Topic: Freeman Jones Awful Service
Replies: 2
Views: 149
I am afraid that this is a common theme when cases have been transferred from one firm to another -- partly down to, as you say, under resourcing the transfer, but also down to unforseen matters such as the state of the transferred files and compatability issues with software (old paper files might ...
by Foggy
Tue Oct 16, 2018 10:47 am
Forum: Ask IVA Forum and Industry experts
Topic: No contact from IVA company
Replies: 17
Views: 294
Ian Williams from Freeman Jones often steps in for forum members and gets things sorted --- If you drop an email to ian.williams at FreemanJones.com I am sure he will be in touch.
by Foggy
Tue Oct 16, 2018 10:44 am
Forum: Ask IVA Forum and Industry experts
Topic: No contact from IVA company
Replies: 17
Views: 294
First, you should have not stopped payments without the agreement of your IP. The equity situation should have been addressed at month 54 and, in the absence of any action by your IP, it is your responsibility to have carried out what was agreed in your proposal --- if the IP fails to respond, at l...
by Foggy
Tue Oct 16, 2018 10:00 am
Forum: Ask IVA Forum and Industry experts
Topic: No contact from IVA company
Replies: 17
Views: 294
First, you should have not stopped payments without the agreement of your IP. The equity situation should have been addressed at month 54 and, in the absence of any action by your IP, it is your responsibility to have carried out what was agreed in your proposal --- if the IP fails to respond, at le...
by Foggy
Tue Oct 16, 2018 9:18 am
Forum: Ask IVA Forum and Industry experts
Topic: Still no completion certificate
Replies: 7
Views: 5539
stanley2018 wrote:
should be a maximum one month closure time frame allowed for the iva firms to complete iva's.


6 months is already built into the proposal as standard .... we have campaigned for better defined and shorter closure times in the past, but support is thin on the ground.
by Foggy
Tue Oct 16, 2018 8:37 am
Forum: Ask IVA Forum and Industry experts
Topic: Wrong default date
Replies: 5
Views: 365
Rather than start a new thread I thought I would ask here. When a default date needs correcting who would we send the letter to, the original creditor or the company the debt has been sold to? EG On Experian and Equifax Barclaycard show as a creditor with an incorrect default date. On Callcredit th...
by Foggy
Tue Oct 16, 2018 8:34 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA declined due to too much equity
Replies: 9
Views: 3780
Topics merged.
by Foggy
Tue Oct 16, 2018 8:32 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA declined due to too much equity
Replies: 9
Views: 3780
How much equity do they "calculate" and how much is it in reality ? Who advised you and was this at initial enquiry or was it refused by creditors at the meeting ?
by Foggy
Tue Oct 16, 2018 8:29 am
Forum: Ask IVA Forum and Industry experts
Topic: Aperture
Replies: 6
Views: 201
Topics merged
by Foggy
Tue Oct 16, 2018 8:27 am
Forum: Ask IVA Forum and Industry experts
Topic: Aperture
Replies: 6
Views: 201
Aperture routinely take, as a minimum, what the industry as a whole regards as the maximum (6 months). They are not alone, but they are in a very small club!
by Foggy
Tue Oct 16, 2018 6:45 am
Forum: Ask IVA Forum and Industry experts
Topic: Wrong default date
Replies: 5
Views: 365
Have a read here -- contains a template to get default date amended: https://www.iva.co.uk/what-does-an-iva-do-to-your-credit-record The defaulted account will remain on your credit files until it's 6th anniversary, so it is worth getting the date corrected, so that it doesn't linger after the IVA i...
Search found 27061 matches Page 1 of 1805